Refinance Rates
| Loan | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 3.88% | 3.38% |
| 15 Year Fixed Rate | 4.06% | 3.61% |
| 5/1 Adjustable Rate | 2.75% | 3.37% |
| * These rates are averages, and might not apply to you. | ||
Mortgage loans
We focus our site on home loan refinancing, but if you're looking for a new mortgage loan, we can help you too.
Evaluate your mortgage loan >> Lowering your mortgage payments Get free mortgage advice
Credit Scores
There is a close link between your credit scores and the refinance mortgage rates you'll be able to secure. We have an extensive guide on fixing up your scores and so much more on our credit scores page!
Don't let your credit score hold you back, you have more options than you know!
Refinance Loans
Start a refinance request >> Refinancing benefits Home loan refinance rates Our refinance calculators
We are the #1 independent resource for mortgage refinancing on the web; and our partners have the best mortgage refinance rates available on the web.
Credit Reports Online
Financial experts urge everyone to obtain copies of their credit reports. And they recommend that you request a copy yearly from all three credit reporting agencies, TransUnion, Experian, and Equifax. Consumers are entitled to one free report every twelve months from all three agencies. Admittedly, there is good reason to heed their advice and obtain the reports from all three bureaus because errors and omissions are common, and each agency keeps different records. It is completely possible that you believe everything to be okay, and that the report you received verifies your facts, but the other two reports could document erroneous information.
In the past, in order to obtain your credit reports, it was necessary to write to the agencies and request mailed out copies. Now, however, credit reports are available online. You can still get them by mail if you do not have access to a computer, but basically, all three bureaus sponsor the official site called AnnualCreditReport and when consumers request a free credit report, they are redirected to this website.
Credit reports online are also available as often as you require them should you agree to pay for them. Often, the services include identity theft prevention tools, and fraud alerts for people that already suspect their accounts of being jeopardized. You can also sign up for a monthly membership that provides unlimited access to your credit history and credit score.
Because information about consumers is big business, the official site warns people about obtaining reports from unscrupulous sources. You should be wary of credit reports online when making a payment. If you are trying to order your free report and you are being asked for a credit card number for payment, this is a fraudulent site. And, although websites are permitted to sell services, be careful that you do not sign up for monthly services when you do not want them. You do not have to buy anything to get your free report. According to the Federal Trade Commission website (ftc.gov), "AnnualCreditReport.com is the only authorized source to get your free annual credit report under federal law", and even though many credit repair companies offer simimar services for a fee, we suggest sticking with the FTC's suggestion.
Finally, when applying for a mortgage or mortgage refinance, request your credit reports online. Finding any problems beforehand will give you time to fix them before the lender sees them. Also, if things are not as good as you anticipated, you can wait a few months and try to improve them before applying for your mortgage.
Key FeaturesMain Menu
- Why Refinance your Mortgage Today?
- Benefits of Refinancing a Home Loan
- Qualify for Mortgage Refinance
- Are you eligible for Mortgage Refinancing?
- Should you Refinance your Mortgage?
- When to Refinance a Mortgage
- When not to Refinance a Mortgage
- Biggest Mortgage Refinance Mistakes
- Home Affordable Refinance Program
- Refinancing to fund Home Improvements
- Mortgage Refinance and Title Insurance
- Steps of Mortgage Refinancing
- FHA Streamline Refinance Loans
Main Menu
- How to Lower your Mortgage Payment
- Refinancing Mortgage in Another Name
- Refinancing a FHA Mortgage Loan
- Jumbo Mortgage Refinancing
- Refinancing Mortgages with a Low Credit Score
- Energy Efficient Mortgage Loan Refinancing
- Mortgage Refinancing: The Break-Even Period
- "No-Cost" Mortgage Refinancing: What is it?
- What will refinancing cost you?
Credit Scores
Refinance Mortgage Rates
- Refinance Mortgage Rates: What should be your goal?
- Refinance Mortgage Rates and your Credit Score
- Best Refinance Mortgage Rates
- Mortgage Rates vs. Refinance Rates
